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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.06
AF's Cash to Debt is ranked lower than
96% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. AF: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
AF' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.06 Max: 0.68
Current: 0.06
0.02
0.68
Equity to Asset 0.10
AF's Equity to Asset is ranked higher than
50% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. AF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
AF' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.1
0.05
0.1
Interest Coverage 0.81
AF's Interest Coverage is ranked lower than
69% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. AF: 0.81 )
Ranked among companies with meaningful Interest Coverage only.
AF' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.34 Max: 0.81
Current: 0.81
0.07
0.81
F-Score: 4
WACC vs ROIC
2.49%
1.92%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 30.77
AF's Operating margin (%) is ranked higher than
53% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. AF: 30.77 )
Ranked among companies with meaningful Operating margin (%) only.
AF' s 10-Year Operating margin (%) Range
Min: 7.57  Med: 44.15 Max: 64.97
Current: 30.77
7.57
64.97
Net-margin (%) 21.23
AF's Net-margin (%) is ranked lower than
51% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. AF: 21.23 )
Ranked among companies with meaningful Net-margin (%) only.
AF' s 10-Year Net-margin (%) Range
Min: 5.44  Med: 26.18 Max: 43.44
Current: 21.23
5.44
43.44
ROE (%) 4.74
AF's ROE (%) is ranked lower than
74% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. AF: 4.74 )
Ranked among companies with meaningful ROE (%) only.
AF' s 10-Year ROE (%) Range
Min: 0.16  Med: 11.59 Max: 17.19
Current: 4.74
0.16
17.19
ROA (%) 0.54
AF's ROA (%) is ranked lower than
69% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. AF: 0.54 )
Ranked among companies with meaningful ROA (%) only.
AF' s 10-Year ROA (%) Range
Min: 0.13  Med: 0.80 Max: 1.12
Current: 0.54
0.13
1.12
ROC (Joel Greenblatt) (%) 109.05
AF's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. AF: 109.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.73  Med: 123.28 Max: 296.16
Current: 109.05
17.73
296.16
Revenue Growth (3Y)(%) -5.30
AF's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. AF: -5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.9  Med: 4.30 Max: 13.5
Current: -5.3
-8.9
13.5
EBITDA Growth (3Y)(%) 3.30
AF's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. AF: 3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.3  Med: 3.30 Max: 42.2
Current: 3.3
-43.3
42.2
EPS Growth (3Y)(%) 7.30
AF's EPS Growth (3Y)(%) is ranked lower than
57% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. AF: 7.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AF' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.4  Med: 4.90 Max: 72.5
Current: 7.3
-44.4
72.5
» AF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

AF Guru Trades in Q3 2014

Bernard Horn 227,404 sh (+49.21%)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 393,450 sh (-18.95%)
» More
Q4 2014

AF Guru Trades in Q4 2014

Jim Simons 456,750 sh (+16.09%)
Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
» More
Q1 2015

AF Guru Trades in Q1 2015

Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 401,850 sh (-12.02%)
» More
Q2 2015

AF Guru Trades in Q2 2015

Kahn Brothers 17,685 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC25.714.74

Ratios

vs
industry
vs
history
P/E(ttm) 20.10
AF's P/E(ttm) is ranked lower than
74% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. AF: 20.10 )
Ranked among companies with meaningful P/E(ttm) only.
AF' s 10-Year P/E(ttm) Range
Min: 7.82  Med: 16.67 Max: 48.6
Current: 20.1
7.82
48.6
Forward P/E 21.51
AF's Forward P/E is ranked lower than
94% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. AF: 21.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.20
AF's PE(NRI) is ranked lower than
74% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. AF: 20.20 )
Ranked among companies with meaningful PE(NRI) only.
AF' s 10-Year PE(NRI) Range
Min: 7.71  Med: 16.64 Max: 48.46
Current: 20.2
7.71
48.46
P/B 1.03
AF's P/B is ranked higher than
60% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. AF: 1.03 )
Ranked among companies with meaningful P/B only.
AF' s 10-Year P/B Range
Min: 0.5  Med: 1.04 Max: 2.48
Current: 1.03
0.5
2.48
P/S 3.79
AF's P/S is ranked lower than
63% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. AF: 3.79 )
Ranked among companies with meaningful P/S only.
AF' s 10-Year P/S Range
Min: 1.3  Med: 3.19 Max: 6.58
Current: 3.79
1.3
6.58
PFCF 15.75
AF's PFCF is ranked lower than
63% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. AF: 15.75 )
Ranked among companies with meaningful PFCF only.
AF' s 10-Year PFCF Range
Min: 2.22  Med: 7.34 Max: 15.75
Current: 15.75
2.22
15.75
POCF 14.00
AF's POCF is ranked lower than
67% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. AF: 14.00 )
Ranked among companies with meaningful POCF only.
AF' s 10-Year POCF Range
Min: 2.12  Med: 6.99 Max: 14.11
Current: 14
2.12
14.11
EV-to-EBIT 34.26
AF's EV-to-EBIT is ranked lower than
86% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. AF: 34.26 )
Ranked among companies with meaningful EV-to-EBIT only.
AF' s 10-Year EV-to-EBIT Range
Min: 11.4  Med: 32.90 Max: 132.1
Current: 34.26
11.4
132.1
PEG 1.71
AF's PEG is ranked lower than
64% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. AF: 1.71 )
Ranked among companies with meaningful PEG only.
AF' s 10-Year PEG Range
Min: 1.51  Med: 2.51 Max: 31.07
Current: 1.71
1.51
31.07
Shiller P/E 22.02
AF's Shiller P/E is ranked lower than
66% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. AF: 22.02 )
Ranked among companies with meaningful Shiller P/E only.
AF' s 10-Year Shiller P/E Range
Min: 3.6  Med: 12.75 Max: 21.91
Current: 22.02
3.6
21.91
Days Sales Outstanding 34.46
AF's Days Sales Outstanding is ranked lower than
51% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. AF: 34.46 )
Ranked among companies with meaningful Days Sales Outstanding only.
AF' s 10-Year Days Sales Outstanding Range
Min: 33.64  Med: 56.88 Max: 79.88
Current: 34.46
33.64
79.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.06
AF's Dividend Yield is ranked lower than
85% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. AF: 1.06 )
Ranked among companies with meaningful Dividend Yield only.
AF' s 10-Year Dividend Yield Range
Min: 1.06  Med: 3.48 Max: 15.85
Current: 1.06
1.06
15.85
Dividend Payout 0.21
AF's Dividend Payout is ranked higher than
73% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. AF: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
AF' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.31 Max: 4.33
Current: 0.21
0.13
4.33
Dividend growth (3y) -32.50
AF's Dividend growth (3y) is ranked lower than
90% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. AF: -32.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
AF' s 10-Year Dividend growth (3y) Range
Min: -32.5  Med: 16.00 Max: 58.5
Current: -32.5
-32.5
58.5
Yield on cost (5-Year) 0.25
AF's Yield on cost (5-Year) is ranked lower than
97% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. AF: 0.25 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AF' s 10-Year Yield on cost (5-Year) Range
Min: 0.25  Med: 0.81 Max: 3.71
Current: 0.25
0.25
3.71
Share Buyback Rate -1.80
AF's Share Buyback Rate is ranked higher than
50% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. AF: -1.80 )
Ranked among companies with meaningful Share Buyback Rate only.
AF' s 10-Year Share Buyback Rate Range
Min: 7.4  Med: 2.30 Max: -34.8
Current: -1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
AF's Price/Tangible Book is ranked higher than
53% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. AF: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
AF' s 10-Year Price/Tangible Book Range
Min: 0.69  Med: 1.62 Max: 2.92
Current: 1.19
0.69
2.92
Price/Projected FCF 0.49
AF's Price/Projected FCF is ranked higher than
75% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. AF: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
AF' s 10-Year Price/Projected FCF Range
Min: 0.23  Med: 0.56 Max: 0.92
Current: 0.49
0.23
0.92
Price/Median PS Value 1.19
AF's Price/Median PS Value is ranked lower than
56% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. AF: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
AF' s 10-Year Price/Median PS Value Range
Min: 0.49  Med: 1.24 Max: 2.11
Current: 1.19
0.49
2.11
Price/Graham Number 0.93
AF's Price/Graham Number is ranked lower than
53% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. AF: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
AF' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.01 Max: 2.25
Current: 0.93
0.54
2.25
Earnings Yield (Greenblatt) (%) 2.90
AF's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. AF: 2.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 3.00 Max: 8.7
Current: 2.9
0.8
8.7
Forward Rate of Return (Yacktman) (%) 14.51
AF's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. AF: 14.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -18.9  Med: 11.85 Max: 24.4
Current: 14.51
-18.9
24.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.
» More Articles for AF

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AlarmForce Announces New CEO and CFO Oct 15 2014 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Shares of Astoria Fi Oct 10 2011 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 

More From Other Websites
Astoria Bank Kicks Off 16th Annual Kids Tools for School Drive Jul 31 2015
Astoria Bank Kicks Off 16th Annual Kids Tools for School Drive Jul 31 2015
Edited Transcript of AF earnings conference call or presentation 23-Jul-15 2:00pm GMT Jul 23 2015
Astoria Fincl downgraded by Piper Jaffray Jul 23 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 23 2015
Astoria Financial Corp Earnings Call scheduled for 10:00 am ET today Jul 23 2015
Astoria Financial Corporation Names Robert Giambrone To Its Board Of Directors Jul 23 2015
Astoria Financial Corporation Names Robert Giambrone To Its Board Of Directors Jul 23 2015
Astoria Financial Corporation Reports 2015 Second Quarter Earnings Per Common Share Of $0.29 Jul 22 2015
Astoria Financial tops Street 2Q forecasts Jul 22 2015
Astoria Financial tops Street 2Q forecasts Jul 22 2015
Astoria Financial Corporation Reports 2015 Second Quarter Earnings Per Common Share Of $0.29 Jul 22 2015
Q2 2015 Astoria Financial Corp Earnings Release - After Market Close Jul 22 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 08 2015
Astoria Financial Corporation Schedules Second Quarter Earnings Release & Conference Call Jul 08 2015
Astoria Financial Corporation Schedules Second Quarter Earnings Release & Conference Call Jul 08 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jun 23 2015
Astoria Financial Corporation Announces The Disclosure Of 2015 Dodd-Frank Act Stress Test ("DFAST")... Jun 23 2015
Astoria Financial Corporation Announces The Disclosure Of 2015 Dodd-Frank Act Stress Test ("DFAST")... Jun 23 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events Jun 18 2015

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